Cardmember Stories

Getting rewarded for shopping ROCKS! "As a single mom, it really helps that I get rewarded for using my card, thanks Chase for helping fill up my gas tank so I can take my son out for ice cream and the park!!!" - Nate's Mom Love using my cash back for my daughter's wedding "Paying for a wedding is expensive.. I use my Chase Freedom card to receive my cash back on special offers, quarterly specials etc. It's never been easier to get, "Free Money". By November my daughter and future son in law will have a great wedding present from me.....Thanks Chase Freedom!!" - Greekmama Summer fun "I used my cash back for purchasing a new grill. I even earned extra points by shopping online through Chase. I'm looking forward to summertime cookouts with my friends and family." - Rhea

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Additional categories or merchants announced at the beginning of each quarter.

You'll earn 5% cash back each quarter on up to $1,500 in combined purchases in that quarter's bonus categories.*

And as always, get unlimited 1% cash back on all other purchases.*

Activate each quarter to earn 5% cash back on up to $1,500 in combined purchases in that quarter's bonus categories. See chase.com/freedom for more details and exclusions on 5% categories.

*See Offer Details

1Does not include purchases made at Walmart®, Target®, discount or warehouse club stores. You will still earn unlimited 1% cash back on these purchases.

2Offer limited to purchases at participating Starbucks® locations, at store.starbucks.com, and through the Starbucks® mobile phone application (including Starbucks Card purchases and reloads). Further details at chase.com/freedom

The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

Amazon Gift Cards Review Date: 7/18/2014 Submitted by: BlindWillie "Enjoy getting cash back to purchase Amazon Gift Cards. We use our Amazon account to buy Christmas gifts. Getting the cash back really helps our holiday budget. We also may from time to time buy something for ourselves!" Home Improvement with Cash Back Review Date: 6/19/2014 Submitted by: K8S "My husband and I like to use our cash back for home improvements!" love adding to my saving account. Review Date: 6/18/2014 Submitted by: annette "I wait until I get at least $50.00 in rewards and add to my savings account." "Love using my cash back for dining out." Review Date: 6/15/2014 Submitted by: 46sllib "As a retired couple on a fixed income this is the only way we can afford to get a catered meal in a favorite restaurant of our choice every other month." CHARGING OUR WAY TO A FREE MEAL Review Date: 5/28/2014 Submitted by: BJ "My wife and I like to use our "cash back" to get gift cards for local restaurants and enjoy an evening out from using our card for other purchases." To reduce my payment! Review Date: 5/27/2014 Submitted by: Michael "I use my cash back to reduce my payment, This is a big help!" Even MORE Savings Review Date: 5/22/2014 Submitted by: Di Di "Purchased a washer/dryer and got 20% off, additional gift savings, AND money from our credit card. My $899 washer and dryer (each piece) went down to about $400 each after using all the discounts. Can't wait for the 5% Freedom credits to appear and WOW -- even more $$ and savings I thought possible. Thank you Freedom." Rewards Review Date: 5/21/2014 Submitted by: Monachen "Love my cash back rewards" Got Teeth Review Date: 5/21/2014 Submitted by: Mimi "My chase cash back money got me my new front teeth. Now when I smile I think of Chase." Happy wife, happy life and I got my coffee Review Date: 5/21/2014 Submitted by: freedom "Always redeem my points for coffee and a store gift card. My wife really happy, because she gets this every month and she can buy a brand new stuff she wants. Thanks CASH BACK!"

NEW CARDMEMBER BONUS OFFERS

What are My NewCardmember Bonus Offers?

$100 New Cardmember Bonus: You'll earn 10,000 bonus points redeemable for $100.00 after you make $500 or more in purchases in the first 3 months from account opening. After that, you'll receive your bonus points in 6-8 weeks, as long as your account is open.

$25 Authorized User New Cardmember Bonus: You'll earn 2,500 bonus points redeemable for $25.00 after you add your first authorized user and you make a purchase, both within the first 3 months from account opening. After that, you'll receive your bonus points in 6-8 weeks, as long as your account is open.

Am I Eligible?

You are eligible for both New Cardmember bonuses unless you are currently a Chase Freedom cardmember, or a previous Chase Freedom cardmember who received a new cardmember bonus or similar offer within the past 24 months.

What Qualifies as a Purchase in this Rewards Program?

Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions do not count:

EARNING CASH BACK REWARDS

What are Cash Back rewards?

Cash Back rewards are the rewards you earn under this program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “cash back” in marketing materials when referring to the rewards you earn.

How do I earn Cash Back rewards?

You earn Cash Back rewards when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds.

What Cash Back rewards do I earn in this Program?

1% Cash Back rewards (1 point) for each $1 spent on purchases with no limits on how many Cash Back rewards you can earn.

5% Cash Back rewards (5 points) total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus(see back of page 2 for details).

That's 4% additional Cash Back rewards (4 points) on top of the 1% Cash Back rewards (1 point) earned on purchases.

After you spend $1,500 in the quarterly bonus categories, you go back to earning 1% Cash Back rewards (1 point) for every dollar you spend, with no maximum.

What Do I Need To Know To Activate My 5% Cash Back?

You need to activate new bonus categories each quarter by the activation deadline. Activating is easy and free via chase.com, by phone, by signing up for email, text reminders or in a Chase branch.

USING REWARDS

How Do I Get Cash?

Once you have earned at least 2,000 points ($20 in Cash Back rewards), you can redeem them for cash at any time either via a statement credit or direct deposit into your U.S checking account through our Ultimate Rewards website at chase.com/ultimaterewards or by calling the number on the back of your card.

What If I Don't Want Cash?

You may redeem your points for travel, merchandise, and gift cards through our Ultimate Rewards website at chase.com/ultimaterewards or by calling the number on the back of your card.

Do My Points Expire?

Your points do not expire as long as your account is open.

Could I Lose My Points?

You can lose your points if your account is closed for any reason.

ABOUT THIS OFFER

What Happens When I Add An Authorized User To My Account?

You will also earn points for every dollar they spend on purchases. You, as the primary cardmember are solely responsible for repaying all balances on this account. Authorized users will have the same charging privileges as the primary cardmember but will not be financially responsible. All correspondence, including statements and notifications, will be sent to the name and address on file for the primary cardmember. We provide account information to the credit reporting agencies for all account users. This information could impact an authorized user’s credit score.

How Is It Determined Which Merchants are Included in Reward Categories?

Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories, which may also be referred to as rewards categories, for purposes of making rewards offers to you. Please note:

We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category.

Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.

The stories published represent cardmember responses to our request to share their stories related to the following questions: What did you do with your cash back? Or tell us how you make sure you earn the most cash back. For reasons related to privacy, appropriateness and content relevance, not all stories received are published. The stories are individual and highly subjective opinions of cardmembers and not of Chase. Chase has reviewed the statements to ensure accuracy related to product features, but otherwise Chase makes no representation or warranty and will have no liability for, or obligation in connection with, any customer statement or decisions made or actions taken in reliance on any of the testimonial information provided. We did not provide compensation for these testimonials. These opinions, findings, or experiences may not be representative of what all customers may achieve.

COPYRIGHT POLICY

Chase respects the intellectual property rights of others and we prohibit users from uploading, posting or otherwise transmitting through any application or website offered by us any materials that violate another party's intellectual property rights. When we receive proper Notification of Alleged Copyright Infringement as described below, we promptly remove or disable access to the allegedly infringing material and terminate the accounts of repeat infringers in accordance with the Digital Millennium Copyright Act.

A. Notification of Alleged Copyright Infringement: If you believe that your own copyrighted work is accessible through any website or application provided by us in violation of your copyright, you may provide our Designated Agent with a written communication as set forth in the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512(c)(3) that contains substantially the following:

1. Identify in sufficient detail the copyrighted work or intellectual property that you claim has been infringed so that we can locate the material. For example, "The copyrighted work is my content that appears at http://www.mycontentpage.com/item1_qjofkrns123." If multiple copyrighted works at a single online site are covered by your Notification, you may provide a representative list of such works at that site.

2. Identify the URL or other specific location on the application or website provided by us that contains the material that you claim infringes your copyright described in Item 1 above. You must provide us with reasonably sufficient information to locate the alleged infringing material. For example, "The content at the following URL infringes on my copyright http://www.anothercontent.com/item2_hjdsi899."

3. Provide the electronic or physical signature of the owner of the copyright or a person authorized to act on the owner's behalf.

4. Include a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

5. Include a statement by you that the information contained in your Notice is accurate and that you attest under the penalty of perjury that you are the copyright owner or that you are authorized to act on the owner's behalf.

6. Include your name, mailing address, telephone number and email address. You may submit your Notification of Alleged Copyright Infringement to our Designated Agent by fax, mail, or E-mail as set forth below:

Designated Copyright Agent: Amy Scalise, JPMC Legal Department, Mail Code NY1-A425, One Chase Manhattan Plaza, 25th Floor, New York, New York, 10081, Attn: Workflow Manager Phone: 312-732-6910 Fax: 312-732-4172 E-mail: amy.c.scalise@jpmchase.com. Please note that you may be liable for damages, including court costs and attorneys fees, if you materially misrepresent that content on our website and/or application is copyright infringing. Upon receiving a proper Notification of Alleged Copyright Infringement as described in this Section A, we will expeditiously remove or disable access to the allegedly infringing material and promptly notify the alleged infringer of your claim. We also will advise the alleged infringer of the DMCA statutory Counter Notification procedure described below in Section B by which the alleged infringer may respond to your claim and request that we restore this material. If we receive a Notification of Alleged Copyright Infringement that does not contain all of the information described above, but provides a way for us to contact you, we will promptly follow up with you to request that you provide any information not previously provided.

B. Counter Notification: If you believe your own copyrighted material has been removed from our website or application as a result of mistake or misidentification, you may submit a written Counter Notification to our Designated Agent pursuant to 17 U.S.C. § 512(g)(2) and (3). To be an effective Counter Notification under the DMCA, your Counter Notification must include substantially the following:

1. Identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled.

2. A statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside the United States, for any judicial district in which the service provider may be found.

3. A statement that you will accept service of process from the party that filed the Notification of Alleged Copyright Infringement or the party's agent.

4. Your name, address and telephone number.

5. A statement under penalty of perjury that you have a good faith belief that the material in question was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.

6. Your physical or electronic signature. You may submit your Counter Notification to our Designated Agent by fax, mail, or E-mail as set forth below:

Designated Copyright Agent: Amy Scalise, JPMC Legal Department, Mail Code NY1-A425, One Chase Manhattan Plaza, 25th Floor, New York, New York, 10081, Attn: Workflow Manager Phone: 312-732-6910 Fax: 312-732-4172 E-mail: amy.c.scalise@jpmchase.com. If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material after 10 business days but no later than 14 business days from the date we receive your Counter Notification, unless our Designated Agent first receives notice from the party filing the original Notification of Alleged Copyright Infringement informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. Please note that if you materially misrepresent that the disabled or removed content was removed by mistake or misidentification, you may be liable for damages, including costs and attorney's fees.

C. Repeat Infringer Policy: In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, we will terminate access to our website or application by users who are repeat infringers. We may also at our sole discretion limit access to our application and/or website and/or terminate the memberships of any users who infringe any intellectual property rights of other, whether or not there is any repeat infringement.

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